In process of re-claiming mis-sold PPI charges. Received denial letter from HSBC

ste.richards

Hi,

I took out a joint mortgage protection plan with critical illness benefit in 2002 with HSBC.
I now have looked through the paper work and I believe I could re-claim this back through mis-sold PPI.
I have already sent the PPI consumer questionnaire to HSBC and they have replied with the following letter:






Paragraph 4 of page 1 starting "As stated in our previous letters" confuses me.
A) There are no previous letters
Does that mean I don't have a valid PPI re-claim?

Any advice welcome.

Regards, Stephen

dunstonh

In process of re-claiming mis-sold PPI charges. Received denial letter from HSBC

You dont appear to have complained about PPI. You have life assurance and CI cover. It also looks like you used a template letter which contained a number of irrelevant reasons (e.g. single premium).

So you have given false reasons in a complaint about a product you do not hold. Pretty easy rejection on their part.

[Deleted User]

ste.richards wrote: »

I took out a joint mortgage protection plan with critical illness benefit in 2002 with HSBC.
I now have looked through the paper work and I believe I could re-claim this back through mis-sold PPI.

In simple terms, it's not possible to complain about life and critical illness cover by claiming you had single premium PPI.

This is like complaining to a restaurant about their cod when you bought plaice!

roonaldo

its not PPI ! havent you read it?

dunstonh

This is like complaining to a restaurant about their cod when you bought plaice!

Or more like complaining about cod when you had steak and chips. It is that much different. All in all a very strange complaint to make. Very random.

roonaldo

FYI

PPI is cover in case you cannot work due to an accident, sickness or redundancy and pays a monthly benefit. There are issues with this type of cover, you dont have it.

Life and critical illness cover provides cover in case you die or get a serious illness and it pays a lump sum. This is what you had.

[Deleted User]

roonaldo wrote: »

Life and critical illness cover provides cover in case you die or get a serious illness and it pays a lump sum. This is what you have.

More to the point, he doesn't have it at all since he cancelled in 2007 and received a £314 refund!
So this is the OP's second complaint about the same policy!

ste.richards wrote: »

There are no previous letters

I'm guessing this may be a reference to letters sent to you in 2007 about the same policy...

roonaldo

and post also should be moved o the life insurance forum, lol.

magpiecottage

I'm afraid I agree with Mr Davers, not the OP.

What he has written is very polite. What he though may be quite different - something along the lines of "what a bozo"!

If you are going to make allegations, it makes sense to at least establish what you are complaining about rather than go off half cocked.

[Deleted User]

magpiecottage wrote: »

What he has written is very polite. What he though may be quite different - something along the lines of "what a bozo"!

So, does this mean he doesn't have a valid PPI claim?:D

dunstonh

We are all joking at the complaint but there is a serious side this. It is clearly an opportunistic complaint, even fraudulent. We shouldn't really laugh at such things.

The bank is virtually obliged to reject and remain polite but if I was in their shoes I would consider withdrawing all services to the OP in view of the fraudulent attempt to obtain money out of them on false pretences.